Thanks Nic. Just took me 3 hours to read through that thread, I now have a few links to keep an eye on.... going to put my claim through now, think Ive waited far too long by the sounds of things. I reall cannot understand all the sarcasm & arguing on that thread though! Thanks again. FB

Thanks for the response Els. So basically, start the claim & wait. Do you have any links to pages where I keep in the know with whats going on? FlashBumper

Hi all. I have been out of the picture with bank charge reclaim for a wile now... I am struggling to find a definative answer to whether I can start to claim again. What is the current situation? Really could do with some advice to get back on track if possible??

Have just read a thread that suggests that claims are currently suspended, is this the case? Can anyone advise me?

Not sure who is still around but Im back on the case with the charges. Have been asleep for a few months & if im honest the news of someone failing with their claim really put me off. Though, more charges have come & I am more determined then ever. The claim is now ready to go to court. Flashbumper

Right......... Have re-typed the section, as below, can someone confirm I have done it right? Doing the calculation I ended up with 0.18634, was I right to round down to £0.18p? --------------------------------------------- Charges £847.00 Interest under s.69 County Courts Act 1984 £90.43 Court Fee £80.00 TOTAL £1017.43 Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £0.18 per day or at such rate and for such periods as the court deems just. ------------------------------------------------ I have a few more questions... (being at this stage is making me nervous to the point I really want to get it right) 1)My total claim is 937.43 so I put my court fee as £80, but I notice the court fee is included in the claim which brings my total to £1017.43, so will I need to pay the increased fee of £120 & make my claim £1057.43? 2)My partner (who has the account) also has a loan with Lloyds, what are the chances they could ask for full repayment? 3)I had opted to take the claim to court by hand, is this the best option or should I do it on line, what are the pro's & cons? Flash (shaky) Bumper

Thanks Pondy. It always feels good knowing that so many people that have seen their claims through to the end are having an input in mine. Am going to re-type that section (as have already printed the form once) & post it for everyones input. Thanks for replying. FlashBumper

Well spotted..... I actually havnt included this in my letter, I just copied & pasted this from the drafts. All I have included is... ------------------------------- Charges £xxx.xx Interest under s.69 County Courts Act 1984 £xxx.xx Court Fee £xx.xx TOTAL £ xx.xx --------------------------------- Now I need to know what to include in the following paragraph? Can you help? Thanks alot. FB

Hi again! I have been checking my claim letter & am a little unsure RE the below section... underneath the total, do I need to delete the paragraph as ive already included the interest above? Charges £xxx.xx Overdraft Interest £xxx.xx Interest under s.69 County Courts Act 1984 £xxx.xx Court Fee £xx.xx TOTAL £ xx.xx Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just. Regards Flash Bumper

Hi all. So the time has come to take my claim to court... Lloyds have not responded to the LBA at all. I think I have my head around what I need to do, I have added Interest to my schedules of charges, checked out the court fees & have printed my claim form. I am going to take the form to the court in person on Tuesday. Just wanted to check a couple of things though..... Do I need to send anything to Lloyds? Do I just wait to be contacted by either the courts or Lloyds? As always your advice is greatly appreciated. Thanks Flashbumper.

Hi, Received the breakdown of my Charges today! Just a few days before deadline, suprise, suprise!!! Have written my prelim request letter & will be claiming £490! More than I thought!! Bring on the next stages....... FlashBumper

Thank you both, reliable as ever!! So when I make my claim & re-send the overview of charges I will add these in. Will be in touch. FB!

Hello all. Sent my LBA on the 28th in the end & am still awaiting reply. I have a question though...... Since sending my original break down of charges my partner as been charged 3 times (I do not like this bank!), how do I incorporate these charges to this claim? Thanks FlashBumper

Thank you. I cant see the harm in waiting at all, so I will post on the 20th. I had just figured that because they had responded within my deadline that I could take the next steps...... Better to do it by the book though. FlashBumper

Hi. Received response from Lloyds today, giving me a big fat NO!! Suprise suprise. Have typed up my Letter before action & will be sending tomorrow. Looking forward to their next response. FlashBumper

Posted SAR today. Sent it recorded. Will await their response..... FlashBumper

Just an update.... Prelimary request letter sent today with schedule of charges. Sent recorded so will await response. Thanks to you all again for getting me this far! FlashBumper

Have been sorting out a claim for my girlfriend against Lloyds & thought what the Heck may aswell check my own bank charges out... I am owed (not as much) but every penny counts. Starting this today & will be posting the 1st letter tomorrow. Watch this space.... FlashBumper

Thanks both. Have now written the letter & removed the Interest part & only mentioned the total sum of charges I want to reclaim. I think this is right, so if not let me know before the morning & I can change it. Thanks again.

Hi again, Is the overdraft interest charge the same thing as the 8% interest?? Think im a little confused by this! Main reason for this is that the letter template for the prelimary request has interest included in it, so I assume I just delete this?? FB :idea:

Well... I've checked out the link & I feel I fit the bill of a 'McKenzie' Friend, wasnt really too complex to get my head around. Have also gone through the bank accounts for charges & have found a total of £786 worth, so this will be my claim! Will be straight on the phone tommorrow to cancell the verbal request of the list of charges (whats the betting that they send it anyway & charge the account!). Just wanted to check something before I send the letter listing the charges, have read the FAQ & am I right in thinking that I make no mention of any interest in this first letter?? You have all been really helpfull so thaks alot. Bump Flasher

Thank you both. I will read through that link today & will find out what the charges are online. I have another question though...... My girlfriend has two seperate Lloyds bank accounts, both have had charges on them. Do I need to make two seperate claims or can I do it as one? The Flashest Bumper around

Thanks alot. Really appreciatte it. Its strange how I actually feel a little better just from typing my concerns on this site & from getting reponses. I will update every step of the way!! FlashBumper

Thanks Aqua2, Funnily enough I started to do that the other day, but thought there must be an easier way! Obviously there isnt, oh well, I will persist & get on with it then!! Any thoughts on my original questions? FlashBumper

Thanks CurlyChic, Im that wound up by it all that Ive sat waiting for a reply!! So thanks for your input, ive read the FAQ, just didnt see anything about fighting someone-else's battles, plus there is sooo much I may of missed bits. I am just up for getting the paperwork started & will send a letter aswell as the original verbal request. I am online with Lloyds but have had difficulty finding the charges using their search facility?? Any tips on this?? FlashBumper